Call reports 2018
LAMONT BANK OF ST. JOHN — 2018
What LAMONT BANK OF ST. JOHN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 48,066,000 | 49,949,000 | 45,721,000 | 49,271,000 |
| Total loans | 16,060,000 | 18,775,000 | 17,514,000 | 16,628,000 |
| Allowance for loan losses | 480,000 | 325,000 | 333,000 | 339,000 |
| Securities available for sale | 30,785,000 | 29,710,000 | 26,139,000 | 25,930,000 |
| Securities held to maturity | 132,000 | 132,000 | 132,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,905,000 | 39,172,000 | 39,201,000 | 43,081,000 |
| Interest-bearing deposits | 28,742,000 | 27,469,000 | 27,382,000 | 29,026,000 |
| Noninterest-bearing deposits | 13,163,000 | 11,703,000 | 11,819,000 | 14,055,000 |
| Equity capital | 5,462,000 | 5,572,000 | 5,614,000 | 5,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 452,000 | 904,000 | 1,381,000 | 1,845,000 |
| Interest expense | 51,000 | 115,000 | 193,000 | 260,000 |
| Net interest income | 401,000 | 789,000 | 1,188,000 | 1,585,000 |
| Noninterest income | 8,000 | 18,000 | 27,000 | 39,000 |
| Noninterest expense | 133,000 | 282,000 | 475,000 | 714,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 31,000 |
| Pretax income | 279,000 | 528,000 | 735,000 | 882,000 |
| Income tax | 51,000 | 96,000 | 132,000 | 220,000 |
| Net income | 228,000 | 432,000 | 603,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,162,000 | 6,263,000 | 6,434,000 | 6,493,000 |
| Total capital | 6,474,000 | 6,588,000 | 6,736,000 | 6,831,000 |
| Risk-weighted assets | 24,862,000 | 27,315,000 | 24,176,000 | 27,044,000 |